Ashley Messina, Loan Officer, NMLS #1940463

Ashley Messina, Loan Officer, NMLS #1940463 Licensed Loan Officer for RI, MA & CT
NMLS ID # 1940463
75 Newman Ave, East Providence, RI 02916
Branch NMLS # 2549506

08/04/2026

🏡 I’m Not a Realtor, But If I Was… I’d tell you: not all approval letters are created equal 👀

Pre-Approval vs. Pre-Qualification — let’s settle this once and for all.

A pre-qualification letter? That’s basically a guess. A pre-approval? That’s the real deal — your income, assets, and employment have actually been verified. When you sit down with me for a buyer consultation, we’re not just running numbers, we’re making sure you understand every piece of your application and walk away with zero questions.

Here’s the thing though — I see it all the time. Buyers head to their bank chasing a “better rate,” and in the process they lose the thoroughness AND the personalized service that comes with working with a lender.

Banks do a little bit of everything. Mortgage loan officers? We only do mortgages. That’s the difference. 💁‍♀️

📲 Don’t know which letter you need? DM me “PRE-APPROVED” and let’s find out.

07/29/2026

🚨I’m not a Realtor, but if I was, now is the time to check in with your past clients. I can tell you it is not pretty out there.

Homeowners: If you need to wipe the slate clean and start over, I can connect you to the BEST REALTORS in the business that will get you the most from your sale. 💸🏡

If you don’t want to sell and want to tap into your homes EQUITY to start rebuilding here’s what actually matters:

🏠 Keep making your mortgage payment — every. single. month.
📅 Late payments on anything = red flag central
🎓 Student loans in default? We need to fix that BEFORE we talk rates. Hard stop if any student loans have defaulted.
💳 Keep your credit card balances low — it directly impacts what you qualify for
🚫 Do not use Affirm (or any “buy now, pay later”) to make purchases. The silent killer that doesn’t show up on your credit report but still counts against you.

I’m not a Realtor, but I am the person who can help you use what you already own instead of starting over. So consider this your friendly, unsolicited PSA from your local mortgage girl. 😅

Drop a 🙋‍♀ if you didn’t even know this was an option.

Follow along for more things I’m definitely not supposed to say, but will say anyway 💁‍♀️

MortgageTips LoanOfficerLife RIRealEstate NewEnglandRealEstate

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Swipe for simple tips to get started!

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http://spr.ly/6189B6nglx

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Wishing you a very Happy St. Patrick’s Day! 🍀
May your day be filled with luck, laughter, and maybe even a little house hunting. When you’re ready to turn that dream home into reality, we’re here to help with the right financing strategy.

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With a Flex HELOC, you could access your home equity in just days. Reach out today and let’s see what’s possible!

No matter how you slice it, the dream of homeownership is as American 🇺🇸 as apple pie 🥧.  Ready to crunch the numbers an...
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No matter how you slice it, the dream of homeownership is as American 🇺🇸 as apple pie 🥧. Ready to crunch the numbers and find your perfect formula? 🏡➗ Give me a call!

Address

Cumberland Hill, RI
02864

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